The e-commerce solution

Transcription

1 Payment Services The e-commerce solution Your key to successful online business

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3 The right choice for online and omni-channel payments Omni-channel is the amalgamation of different selling channels that seeks to provide the customer with a seamless shopping experience whether the customer is shopping online from a desktop or mobile device, by telephone or in a physical store. Whether you are new to e-commerce or run an established omni-channel business, SIX can meet all your payment needs. We can resolve the complexities that often arise with online and cross-channel payments. As one of Europe s leading payment providers and acquirers, we work with both large multi-national customers and smaller enterprises to define and implement complete online and face-to-face payment solutions, including: State-of-the-art e-commerce payment systems Optimized mobile solutions Cross-channel convergence And everything is complemented with our full acquiring services. As an authority in the sector, we provide clients with personalized advice and expert support. Ultimately, we believe that cashless payments should be flexible, quick and secure - and enhance the consumer experience. This is particularly important with online payments, where a poor checkout experience can lose sales and damage your brand. Across Europe, the rapid growth of online commerce is enabling domestic businesses to quickly grow into global omni-channel enterprises. SIX understands how payment solutions can enable this growth, no matter where or how our clients choose to trade. 3

4 Your one-stop shop provider The complete payment solution across channels Pain Points Solution Omni-channel The checkout Reporting & reconciliation I need to ensure my customers can pay for goods regardless of how and where they shop. I see no difference between customer present and customer not present transactions. I need my online check-out pages to be flexible and reflect the needs of my business including integration, design and methods of payment. I need a wide range of reporting data together with real-time transaction insight. SIX is a complete, omni-channel payment provider European handling all forms of online and face-to-face transactions. One contract means one provider with the ability to support payments across channels and borders. SIX can customize a modular solution to match your requirements, from secure hosted pages to full integration. You can also choose from an extensive range of payment methods. SIX provides a web-based dashboard that gives easy access to real-time transactional information. You can also benefit from automated reconciliation and quick settlement of funds. Mobile commerce Mobile commerce is crucial to my business and requires an optimized payment experience. SIX provides innovative solutions to enhance the mobile experience. This includes both customized mobile and in-app payment options. Expert support I want expert support available at all times to resolve any problems or questions. SIX offers 24/7 support across Europe that provides expert advice and support services. You can expect a single point of contact from set-up to implementation, and beyond. You also benefit from a dedicated account manager, providing expertise and support. Speed and security I expect my payments to be quick and secure, and to protect both me and my customers. Online solutions from SIX provide guaranteed uptime, along with fast transaction processing. And, of course, all solutions are fully secure and PCI DSS-compliant. 4

5 How we can support and help grow your online business Start-Ups Simple, hosted solution for easy set-up, with the whole payment process managed by SIX via a simple API. Choose from a variety of pricing packages that are best suited to your business model. Small & medium enterprises A hosted online payment page (that can be customized for your business) or an integrated solution (to process payments directly in your web shop). We interface with all major online shop systems and support a large range of payment types. Large national enterprises Fully customized integrated solution with interfaces to your inventory, ERP and CRM systems, all complemented with a state-of-the-art back office application. You also benefit from individual integration and dedicated client support. Multinational & omni-channel A complete, cross-channel and cross-border solution. Our integrated omni-channel proposition covers the full payment journey regardless of transaction type. We take care of face-to-face and online transactions - all under one contract from one provider. 5

6 Our payment system: Saferpay Flexible, secure and quality assured Saferpay is the advanced electronic payment platform used for all online solutions. It allows you to process all domestic and international forms of payment via a single, secure interface. Our average system availability of over 99.9% means your business can trade 24/7 with complete confidence. With seamless connectivity to your own inventory, ERP and CRM systems, and the ability to support all major programming languages and operating systems, it is clear why Saferpay is one of the leading e-payment solutions. A key feature of Saferpay is the optimization for mobile commerce, as it supports all major browser applications. Whether your customers are using a tablet or smartphone, they will benefit from an optimized payment window on any device. The backoffice application also comes as standard and allows you to easily control and manage all payment activity. The webbased dashboard gives easy access to realtime transactional information and functionality. Overview of Saferpay features Customized integration Mobile optimization PCI DSS certified Integrated risk management function Optimum stability Reservations (authorizations) Payment (bookings) with individual allocation Multiple currency options Transaction overview and payment search Subsequent charges, reversals and credits Automatic daily statement Payment reporting Multi-client capable application Recurring transactions Omni-channel convergence where required Dynamic Currency Conversion (DCC) service 6

7 Our range of e-commerce payment solutions With SIX, everything can be customized to meet your needs, and we provide expert support from consultation to implementation and beyond. Here is a selection of the online shop providers that we partner with: Hosted The ideal choice for small and mediumsized enterprises or for larger businesses looking for an easy and secure solution. When they re ready to pay, your customers go seamlessly to a payment page hosted by SIX (via a simple API link to your website) that can be made to look like part of your own website. All major payment types are accepted. And we manage all payment types and processes on your behalf - simply, securely and reliably, giving you complete peace of mind. It s easy to signup for, easy to set-up, and easy to start benefiting from. Your advantages: Easy to integrate Fully hosted by SIX Secure and reliable Integrated The ideal solution for larger and multinational businesses. The payment page is integrated into your web shop and customized to your requirements, allowing you keep control of the entire customer journey. You benefit from full connectivity to your existing applications, so your payments can link directly with your accounting, CRM and inventory systems. And because our solution comes preinstalled as standard in all leading online shop platforms, it s easy to integrate. Your advantages: Completely flexible Maintain control Individual integration and client support Mail/Phone Order or Secure PayGate If your customers prefer to order over the phone or through the post, that s no problem. We offer an integrated Mail/Phone Order solution, which can complement your web shop or be used in isolation. Orders can be taken over the phone or in writing, and you can process the transactions securely and conveniently from any web-based device. Even if you don t have a web-shop, you can still enable your customers to pay online. SIX offers a secure payment page, called Secure PayGate, allowing your customers to simply and securely enter their payment details into a hosted payment page. With Secure PayGate you can easily manage and create offers, and send them directly from the application via to your customers, including a payment link. With just one click they are redirected to the payment page from SIX, where an extensive range of payment methods and currencies are accepted. Our backoffice not only provides a full transaction overview, you can also save and re-use offers. 7

8 Acquiring services Multiple payment options Fast, convenient and competitive As one of Europe s leading acquirers, we: Offer fast, secure settlement of your funds Process transactions for smaller as well as multinational brands across all channels Provide competitive conditions, with transparent pricing SIX is able to settle funds in multiple currencies. We also provide a Dynamic Currency Conversion (DCC) service, which allows your customers to pay in their preferred currency, and enables you to benefit from additional income. And, with 3D Secure authentication, you can benefit from the highest security, lower card fees and reduced fraud costs (MasterCard SecureCode, verified by VISA). With a dedicated account manager, you can always receive expert multilingual support on all matters relating to payments, including complex areas like risk and compliance. Convert more sales by offering customers their preferred payment method To attract customers from across the globe, it is important to support all relevant payment methods. SIX supports all major domestic and international card types. In addition, we can process a range of alternative payment methods to ensure your customers have a wide choice. This is particularly important when trading in countries where alternative payment methods are the norm. With our extensive market knowledge, we can advise on the most relevant payment types for each country thereby helping to increase your turnover and avoid abandoned transactions. All payment methods are processed via a single interface, and you can decide at any time to add or remove them (Saferpay). Your advantages: Convert more sales Reach more customers Draw on our payment market expertise 8

9 Security creates trust SIX operates to the most stringent data and process security standards. After all, security builds trust - and you should be able to provide a payment service to your customers, with complete peace of mind. On 365 days per year, our round-the-clock operations center meets all the security requirements laid down by the card schemes, and guarantees consistent availability. We understand that security and fraud protection are essential requirements, and all of our products are PCI DSS (Payment Card Industry Data Security Standard) certified and internationally accredited. Also, our card encryption features mean that you and your customers are protected by the highest possible data security measures. Your advantages: Highest degree of security Lower chargeback volumes Draw on our fraud and risk management expertise Service and support We offer you a full support package and personalized advice on everything relating to online payments. With 15 locations across Europe, we speak your language, and can be contacted 24 hours a day, seven days a week. No matter what stage you are at in your relationship with us, our team of experts will give you all the support you require. 3D Secure is the security standard for paying on the web. Marked by the seals Verified by VISA and MasterCard SecureCode cardholders identify themselves through a personalized code. This makes e- commerce secure and you are protected against payment defaults. As a matter of course, 3D Secure is supported as standard for VISA and MasterCard. In addition, our risk management and fraud prevention service actively supports you in preventing fraud and checking for any unusual payment behaviour. Meanwhile, SIX is able to evaluate and analyse any card misuse in real-time, which can help reduce chargeback ratios and fraud. Your advantages: Single point of contact Implementation support 24/7 hotline Our payment experts work with you to ensure our solution meets your specific requirements. With dedicated support and a single point of contact, you can be sure onboarding and implementation will run smoothly and to schedule. Even after you go live, your dedicated support team remains in place. We are always here to help you to enhance your web shop and resolve any payment issues. 9

10 Forward thinking Leading the way with payment innovation The world of payments is evolving at an ever-increasing rate and SIX is at the forefront of this development constantly reviewing the needs of our customers and what more we can do to enhance the payment experience. We have already launched our own P2P (person to person) mobile payment solution called Paymit, giving consumers a quick and easy way of moving money. As these so called push payments become commercialized, SIX is ideally placed to offer the quickest and most secure mobile solutions. In addition, SIX is leading the way in supporting the latest secure e-wallet solutions. Acceptance of both MasterPass from Mastercard and V.Me by Visa is growing as consumers look to use their existing cards with the added convenience and security that an e- wallet provides. 10

11 Everything you need for cashless payments from a single source SIX Payment Services As one of Europe s largest payment providers, and a market leader in Switzerland, Austria and Luxembourg, SIX Payment Services supports customers with the acceptance and end-to-end processing of their cashless payments. With our state-of-the-art IT infrastructure, we bring secure, efficient transaction processes, and make it easy for you to accept cards across different countries and multiple channels. All our services meet the latest international security standards and offer the best possible protection. With innovative add-on solutions, such as Dynamic Currency Conversion at the point of sale (DCC), SIX can help you save money, earn additional revenues and offer your customers a better payment experience. We also offer a wide range of contemporary payment terminals, innovative mobile payment solutions and tailor-made solutions for specific retail sectors including small retailers, luxury retailers, restaurants, hotels, car parks, petrol stations and online retailers. With over 1,200 employees and 15 locations worldwide, SIX Payment Services supports customers across 33 different countries. 11

12 INT_EN/ We are happy to advise you on the e-commerce solution that best suits your needs. SIX Payment Services AG Hardturmstrasse Zurich Switzerland SIX Payment Services (Austria) GmbH Marxergasse 1B AT-1030 Vienna Austria SIX Payment Services (Germany) GmbH Langenhorner Chaussee Hamburg Germany SIX Payment Services (Europe) S.A. 10, rue Gabriel Lippmann 5365 Munsbach Luxemburg